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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,186 | $106,524-62.3% | $152,301-73.6% | $87,485-54.1% |
| Participation rate | 72.1% | 75.8%-3.7pp | 82.4%-10.4pp | 68.9%+3.2pp |
| Annual return | 19.65% | 26.89%-7.2pp | 80.50%-60.9pp | 26.06%-6.4pp |
| Employer contribution / active EE | $2,225 | $3,371-34.0% | $4,624-51.9% | $2,596-14.3% |
| Participant deferral / active EE | $3,935 | $6,525-39.7% | $8,004-50.8% | $4,274-7.9% |
| Admin fee / account holder | $364 | $8,287-95.6% | $14,398-97.5% | $7,775-95.3% |